The growth of Nephrology and Dialysis Centers in the U.S.

October 07, 2014

Dialysis Centers are continuing to expand, and proliferate throughout the country.   There are 4,000 outpatient dialysis facilities with 300,000 patients nationwide. With an increasing demand for this medical technology, these numbers are expected to continue to grow.  Malpractice Insurance for Dialysis Centers can be easier and more affordable.  You, as the Dialysis Center owner, have to consider everything..and everyone.  Technicians, surgeons, mid-level providers can all be insured under the medical group policy, while the dialysis center can maintain a separate policy underwritten by a different company.  

Professional Liability Insurance, affordable, flexible solutions for Dialysis Centers

Dialysis Centers and their associated physicians are now covered by many different insurance companies. With over 25 year’s experience with Nephrology Medical Malpractice Insurance, The Doctors’ Insurance Agency  has developed markets and expertise to help you place this risk.   We work with The Doctors’ Company in most states to place the insurance for the Nephrologists and any employed techs or Nursing staff.

All in one policy:

The  Physicians can each carry their own individual medical malpractice policy: of course, all services: The hemodialysis, peritoneal dialysis, end-stage renal disease treatment services can  all be covered by The Doctors’  Company.  Or, we can separate the risks to ensure that there is an insurance ‘line in the sand’ protecting the corporate dialysis business from the physicians.

Physicians all working at one dialysis center can be covered by the entity policy limit, which saves thousands of dollars of malpractice insurance premium for the dialysis center. Our insurance program with The Doctors’ Company, providing medical malpractice insurance on either a shared or separate limit basis will protect the entity, the physician and the Physician Assistants’ for very competitive premiums.

Sharing a limit can be a very good, affordable solution because tail is included and the premium is very low comparatively.The coverage extended to techs can be provided either by the physician group policy.  Insuring the techs on the entity limit protects the  physician limit from being included in the claim.

Or, A separate Dialysis Center Policy, including all but the Mid-Levels and Doctors:

If you’re not comfortable sharing limits with the mid-level providers, then it might make sense to find separate coverage for them, underwritten separately, with their tail either provided (occurrence insurance for   dialysis is center Physician Assistants) or purchase their lower premium claims  made policies’ tail.  (Although Tail is expensive, the premium basis is much lower for the PA nephrology policy in the early, claims made years).

Increased patient base results in an increase in the number of claims.

Nephrology PAs increase the availability of treatment in all points of care — including hospitals, outpatient clinics and dialysis clinics.  Nephrology PA’s, like other specialty midlevel practice ‘extenders’  see, on average, 75 – 100  outpatient patients a week; in this instance they treat dialysis patients extensively.

The Doctors’ Insurance Agency can help your Dialysis Clinic or your nephrology Group grow by including the PA’s on your  policy, providing them with their own separate policy or purchasing a policy completely separate from the group’s allowing for an independent contractor relationship.  Additionally, we will be sure the carrier has an active and developed risk management program to prevent and understand the liability claims, what causes them and what can be done to avoid being named in a claim.

The Doctors’ Company and Physician Specialty insurance carriers like this will work with specialty associations to research and disseminate important risk information, which contributes to the quality of care in each practice and center.

Risk Management Information is available in the RPA (Renal Physicians Association) Bulletin:  For example, the August edition which states that

New research suggests that children and adolescents with their first urinary-tract infection (UTI) are at high risk of renal scarring if they have an abnormal renal ultrasonographic finding or a combination of high fever and an etiologic organism other than E. coli. 

Researchers looked at 1,280 patients, aged 18 years and younger, with a first UTI who underwent follow-up renal scanning with technetium Tc 99m succimer at least five months later. Of these patients, 15.5 percent had renal scarring.

The Doctors’ Insurance Agency would love to work with you to find the best combination of renal physician and facility liability insurance available.